waynesworld

Awesome!!! Thanks so much for your assistance!! The one and only bad mark on the credit report will be gone shortly. You are incredible to do so much research and give so many help. Is there a website that we can contribute to?

I received a response from the collection agency today and it says: "Be advised that ****(the CA) has requested the deletion of the account placed by ****(the dr) account number xxxxxx from your credit. If you have any further questions, please feel free to contact me." At the bottom of the letter, it states that "This is an attempt to collect a debt, any information obtained will be used for that purpose." The other letters were sent to the CRA, but we have not received the green cards back as yet. What's next?

Green card received today from CA - followup letters to be sent out to CRA's today. Do I send a copy of the letter sent to the CA with each followup letter? Thanks, will let you know what the next responses are.

Today in the mail, I received a response from Experian dated 2/24/10 stating that the disputed medical account has been verified and will remain on the account. Only took two HIPAA letters and a FTC complaint to get a response.

Send 2 letters to the reporting CA one for Eq and one for Ex, do it NOW I suggest you send the reporting CA for the account showing as having a balance due the medical DV; http://whychat.5u.com/ltrcavalhipaa.html Follow the directions and send separate letters to each CA for each CRA they are still reporting to. You can put all letters in one CMRR envelope to each CA. Once you receive the green card, send each CRA the follow up letter ( this is the reason you need separate letters) http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE -------------------------------------------------------------------------------------------- Ok, Medical DV letters ready to go out - addressed to the one collection agency with two letters, one for Equifax and one for Experian to be mailed CMRR. (just one account showing on both report for both with same CA). Will send out the follow up letters to the CRA when the green card is received back.

No, wait for the response (by March17) from Ex. Is Ex the ONLY CRA still reporting?? Experian responded on February 22nd with this response (from the February 17th letter which was the copy of the FTC complaint with the other paperwork as instructed): "If you question the results of our investigation, then you may want to contact the data furnisher directly. Please refer to your original personal credit report for the business name, address and phone number (if available) of the source that verified the information." They have not provided any results of their investigation as yet. Just this one sheet with the above statement. When I pull up an updated Experian report, the paid account is gone and the unpaid one shows a new reporting date. ------------------------------------------------------------------------------------------ Equifax stated this on January 22nd (posted above): Received a response from CSC (equifax) regarding the prehipaa letter.....They say: "The medical collection account reported to CSC do not meet the definition of "medical information" as the term is defined in Section 603 1 of the FCRA." Only the unpaid account is showing on Equifax. (only one that ever did show up on Equifax) It does not indicate that they have validated the debt in anyway. The reporting date on the account was updated to 1/22/2010. We did receive a phone call from the collection agency several weeks ago. Of course, no information was discussed on the phone and all communication was asked for in writing. ------------------------------------------------------------------------------------------- Transunion deleted both accounts. Hope that clarifies things.

Did you send a follow up letter to Ex with a copy of the filed complaint??[/color] I suggest you send the reporting CA for the account showing as having a balance due the medical DV; http://whychat.5u.com/ltrcavalhipaa.html and send the reporting CA for the account showing as "paid" this; http://whychat.5u.com/ltrcavalhipaa.html#PAID Follow the directions and send separate letters to each CA for each CRA they are still reporting to. You can put all letters in one CMRR envelope to each CA. Once you receive the green card, send each CRA the follow up letter ( this is the reason you need separate letters) http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE Yes, we sent Experian the follow up letter with the copy of the filed complaint - and we received the RR back showing a delivery date of February 17th. Shall I proceed with the instructions as above....?

Ok, FTC compliant filed and sent to Experian, CMRR and was received by Experian on Feburary 17th, we have the green card. Last week, DH got a call from the collection agency. He did not speak with them other than to say please submit all information in writing. Today in the mail we got a response from Experian that says: "If you question the results of our investigation, then you may want to contact the data furnisher directly. Please refer to your original personal credit report for the business name, address and phone number (if available) of the source that verified the information." This is the first correspondence received from experian since we sent the proof of identity information back in December. What do we do now? How long before we hear about the FTC compliant that was filed?

bumping up

Certified mail receipt check shows delivery on December 17, 2009 for both letters to Experian.

Okay, today's update!! Received a response from CSC (equifax) regarding the prehipaa letter.....They say: "The medical collection account reported to CSC do not meet the definition of "medical information" as the term is defined in Section 603 1 of the FCRA." It does not indicated that they have validated the debt in anyway. The reporting date on the account was updated to 1/22/2010. We did receive a phone call from the collection agency several weeks ago. Of course, no information was discussed on the phone and all communication was asked for in writing. Experian has still not responded to the remail sent out in December.

No, they aren't are they!!!! Ok, I will resend the prehippa to CSC with the copy of the report they sent me with the item in question circled in red. I don't understand how they could possibly tell us it's not on the report and then send a copy of the report clearly showing the account!!! What a pita......wish certified mail was cheaper!!! Thanks again!

As a followup to my post: On the inital letter, the whole account number was not listed. On the original report I received, the account number was shown as (example) 765xxxx and that is how I addressed it in the letter. On this report received today, the account number is shown in full. Should I resend prehippa with the full account number on it?

FInally received a response from CSC (sent to equifax) today. They state that "the disputed item is not reporting on your CSC credit services credit file," however it is right there on page 8 of the report they sent us and it shows that "consumer disputes this account information. Now what to do I do with that??? scratching my head....

Thank you! Will take care of that on Monday.